Assistance insurance for your home

KBC Home Assistance

Got a problem with your home?

Don't worry, we'll give you a hand

The search for technicians who are available and affordable can be a
long one. But, if you have this insurance, all you need to do is call
KBC Brussels.

Even at night and weekends

We'll do all we can to solve your problem within 24 hours. In
emergencies, even in 2 hours.

Assistance when things break down? For your home, too, of course

Nearly everyone has insurance for travel assistance or 'breakdowns on
the road'. But what if an essential part of your home breaks down,
like the heating or toilet? When that happens, you also need immediate
help. So you need to get home assistance insurance.

When do people mostly call in home assistance?

Water problems (leaks and no hot water)

Faulty
heating system

Locking yourself out or losing the keys

KBC Home Assistance explained

KBC Home Assistance is insurance covering home assistance. In
other words, you get help to remedy serious, unforeseen problems in
your home.

Just call KBC Brussels, and we'll arrange everything. Even at night
or the weekend, when it's even harder to find available,
affordable repairmen yourself.

How it works

1. If you've got a problem, phone our call centre at 0800 629 75, any time, day or night

2. Within 24 hours, we will send help. In emergencies, even in 2 hours.

3. A specialist will quickly help resolve the problem.

Our assistance providers offer first aid to fix the issue.
That means they will prevent or mitigate further damage to your home,
carry out provisional repairs and make your home safe and habitable
again. The final repair (like replacing worn-out equipment) and
maintenance work do not fall under this cover.

The number of interventions each year is unlimited. So, you
can call us as offer as you need to. Did you know that our
KBC Brussels Assist app lets you contact our call centre direct?

What is an emergency?

We will do all we can to remedy the problem within 2 hours if
your basic comfort is seriously impaired, if your home is inaccessible
or if there is a danger to the occupants or to the building itself.

Some examples

You've locked yourself out

The only toilet in your
home is blocked

Your living room heating breaks down in
winter

What is insured?

We send help ourselves. If you engage someone's services yourself, we
will not refund the costs (except if you call the fire brigade to
remove a wasps' nest).

When do we provide assistance?

You have an electricity outage

Your heating
or air conditioning stops working and the interior temperature
becomes unpleasant

You have no running water in your
home or no hot water in your bathroom

Your toilet's
blocked (other than due to the septic tank being full)

Wasps or bees have nested on or in your home

You
can't leave or enter your home because the entrance is barred
or blocked, because your keys have been stolen or lost or because
you've locked yourself out

Your home is no longer wind
and watertight, for instance because the roof or a window is
damaged

When do we not provide assistance?

Due to circumstances for which you are responsible,
the person providing assistance cannot get into your home at the
appointed time

The problem for which you request assistance
is your own responsibility because you failed to repair a known
defect or did not have full repairs done after a previous
intervention

The problem is due to deliberate acts or
omissions by an occupant or poor maintenance or material decay of
your home

The network supplier interrupts or cuts
off the gas, electricity or water supply

There is damage
to domestic appliances like a fridge, oven, extractor hood,
cooker or portable radiator

Tip

Be sure to check your KBC Home Insurance. You may be able to
claim under the categories of extra cover, like replacement
accommodation, reimbursement of the costs for safe storage of goods or
the services of a leak-detection company. Contact your insurance agent
or use the KBC Brussels Assist app.

The cost

The premium for home assistance is 6.50 euros per month. The
premium is charged monthly to your account by direct debit.

What we reimburse

We pay the charges for the intervention by the tradesmen
providing assistance, up to 400 euros (including VAT) plus parts
needed for a temporary repair, up to 100 euros (including VAT). We
also cover the full call-out charge. And there's no
deductible to pay.

You may be entitled to an extra service:

If your basic comfort (electricity, heating, hot water) cannot
be restored within 24 hours, we will organise hotel
accommodation (up to 200 euros for the entire family). If you'd
sooner not go to a hotel, we will arrange an electricity
generator or heat source for five days.

If a
defect causes an electricity outage and food in your fridge
or deep freeze goes off as a result, you will receive extra
compensation up to 125 euros.

Things you also need to know

When you start the policy, there is a waiting period of 14
days before you can claim assistance.

The insurance
is available to anyone, even if they do not have property insurance
with KBC Brussels.

The policy is intended for a home where you
live or that you use as additional accommodation, as long as you use
the home for private purposes. We do not cover property owned to
let.

The insurance is for periods of one year and renews
automatically unless you cancel it no later than three months before
the principal renewal date.

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